Marketplace POS consumer credit for home improvement contractors, not B2B working capital and not a direct lender. Sign up is the contractor intake. Partner lenders originate personal loans and lines of credit. Public loan-amount floors, max terms, and lender-count copy do not agree across pages.
What it is
Acorn Finance is Headway Sales Inc. dba Acorn Finance’s online lending marketplace for home improvement financing. Live marketing brand on homepage, contractors, borrowers, About, Terms, Privacy, and Licenses is Acorn Finance. Legal name on Licenses, Terms, Privacy, and footer: Headway Sales Inc. dba Acorn Finance. Canonical site: https://www.acornfinance.com/ (HTTP 200 at research). Contractor product surface: https://www.acornfinance.com/contractors/. Borrower surface: https://www.acornfinance.com/borrowers/. Licenses page states Headway Sales Inc., doing business as Acorn Finance, is a Delaware corporation. No public product page brands the company or product as Delaware Flex, Flex, or a Flex capital marketplace. Blaine’s informal Delaware Flex label maps to this Delaware-incorporated Acorn Finance marketplace on the live pages used here.
Homepage and contractors pages sell contractor-offered consumer financing: the contractor signs up, receives a personalized financing link (text, email, QR, estimates, website), the customer applies and sees prequalified offers from a network of lenders with an initial soft credit inquiry, selects an offer, completes the lender’s process, and funds; the contractor is paid by the customer from loan proceeds and starts the job. FAQ Who is Acorn Finance: a lending marketplace where premier online consumer lenders pre-qualify customers for personalized loan options, with no impact to the homeowner’s credit score from the initial soft inquiry. Terms of Use: Acorn Finance is not a bank, lender, credit card issuer, or creditor and does not make loans or credit decisions; it acts as intermediary between Program Partners (who offer Acorn Finance solutions to their customers) and Providers (the lender network).
Product structures on current FAQ and borrowers pages: personal loans (fixed-rate installment borrowing with fixed monthly payments; FAQ personal-loan body also says terms typically ranging from 2 to 12 years; may be unsecured or secured depending on the offer) and personal lines of credit (borrow against a preset limit, interest on amounts drawn). Homepage contractor marketing: loans from $1k to $100k, terms from 2 to 20 years, 20+ lenders competing. FAQ How much: network extends loans from $1,000 up to $100,000. Borrowers FAQ How much: $2,000 up to $100,000. Those floors do not agree. FAQ What loan terms: up to 144 months (12 years) for applicants with excellent credit. Homepage and borrowers also print terms up to 20 years. Those max-term lines do not agree. Contractor resources / new-lenders copy (updated mid-2026 on the page used in research): 30+ lenders. Homepage still prints 20+. Those lender-count lines do not agree.
This page is Acorn Finance contractor POS consumer financing: a home improvement contractor offers marketplace personal-loan options to consumers. Adjacent Acorn Finance surfaces are Acorn Finance’s. They are not this page. The direct borrowers personal-loan path, invoicing-software and API/SDK embed paths named on About and Series A copy, and trade-specific contractor landing pages are Acorn Finance’s. They are not this page.
Who it’s for
Shapes from Acorn Finance homepage, contractors, About, FAQ, and Series A:
- Home improvement contractors and trades, which homepage and contractors sell as the primary merchant: HVAC, roofing, remodeling, landscaping, solar, pools, and other legitimate home service or improvement projects. FAQ and contractors: licensed contractors in good standing; business credentials verified during onboarding. Homepage CTA Join the 25k Contractors that stopped paying fees is Acorn Finance’s printed contractor-reach claim.
- Program Partners / software and channel partners, which Terms define as parties that offer Acorn Finance solutions to Program Partner customers, and which About names as invoicing software providers (financing at checkout inside estimates and invoices), plus moving and storage companies and private equity firms as additional who-we-help shapes. Series A About blurb: software vendors to the home improvement industry can embed Acorn Finance inside estimates and invoices. CTO bio on About names Loan Platform, API, SDK, and Contractor Portal. Treat software embed as an adjacent Acorn Finance path, not the contractor POS job on this page.
- Consumers / homeowners, which borrowers and FAQ sell for home improvement, debt consolidation, medical, and other personal expenses through the marketplace. That borrower D2C path is Acorn Finance’s. It is not the contractor POS job on this page.
Contractor intake is Sign up / Sign up now / Sign up for free on homepage and contractors: fill out the online form, get a personalized financing link, start offering financing. Contractors FAQ: Click the Sign Up button, fill out our quick online form, and start offering financing instantly. Same FAQ: during onboarding we will verify your business credentials. Contractors also markets white-glove onboarding and ongoing sales support. Thank-you path: complete registration, log into my.acornfinance.com (also pro.acornfinance.com for the contractor app surface), share the link. That is a public self-serve contractor signup with credential verification, not a sales-only partner live start. Software-vendor embed intake is not printed as a public self-serve checkout on the surfaces used here; About and Series A describe the embed path without a public rate card or self-serve partner console equivalent to contractor Sign up.
It is a fit for a US home improvement contractor that wants $0 dealer-fee marketplace consumer financing at the jobsite or estimate, will complete online signup and credential verification, and does not need to hold the loan or become the lender.
Standout details
- Brand and Delaware Flex note (as printed). Official live brand: Acorn Finance. Legal: Headway Sales Inc. dba Acorn Finance. Licenses: Delaware corporation. HQ and compliance address on Terms, Privacy, and Licenses contact blocks: 2600 Capitol Ave, Suite 320, Sacramento CA 95816. About Us story: founded in 2018 by Giri Addanki. Series A newsroom (Jan 11, 2022, Sacramento): Acorn Finance as embedded lending marketplace for home improvement financing; $8.4M Series A led by MassMutual Ventures; prior $4M seed; total $12.4M as of that release. Third-party directories often print founded 2017; that year is not what About Us prints. No live page used for this listing brands the product Delaware Flex or Flex capital marketplace. Table this listing with POS consumer / home-improvement merchant credit peers, not with B2B embedded working-capital marketplaces, unless Vert overrides.
- Offer structure and fees (as printed). Personal loans and personal lines of credit as above. Homepage: $1k to $100k; terms 2 to 20 years; soft-pull prequalification; funding in as little as 24 hours / one business day on printed claims (footnotes on page). FAQ: no early-repayment penalties from the network on the printed claim; no processing charges on loans over $40,000; for loans under $40,000 some lenders may charge an origination fee between 1 and 6%; no-fee options highlighted on the offers page. Contractor economics: $0 dealer fees, no setup, no platform, no monthly fees; Acorn Finance is paid by the lender when a loan closes / originates. Homepage network-partner logos on the surface used in research included Hearth, Enhancify, and Synchrony as named marks; older homepage FAQ body also listed example lenders such as Best Egg, SoFi Personal Loans, LightStream, Prosper, PayPal, Capital One, Chase, American Express, and Blue Vine. Treat named marks as Acorn Finance-printed partners or examples, not as a complete live roster. Acorn Lender List page exists but did not expose a durable public lender table in the fetch used here; ask Acorn Finance for the current Provider list. This listing does not reprint a consumer APR schedule. Advertiser disclosure on lender-list and related pages: offers are from third-party advertisers from which Acorn Finance receives compensation, which may impact how and where products appear.
- Eligibility and geography (as printed). FAQ credit: anyone can check offers; each lender sets requirements (score, employment, income, credit history, debt-to-income). Generally speaking, minimum credit score lenders consider is around 560 on FAQ. Co-borrowers allowed. FAQ Does Acorn Finance cover all 50 states: available online nationwide in the United States; state coverage map claims nationwide coverage. Borrowers FAQ points readers to the FAQ for current coverage status. Third-party reviews sometimes list state exclusions; those exclusions are not what the FAQ nationwide map prints. Confirm live coverage with Acorn Finance and the chosen Provider for a given borrower state. Privacy: Site intended for residents of the United States (Canada provisions also appear in Terms and Privacy).
- Ops and pricing. Contractor path: Sign up free, credential verification, Contractor Portal (my.acornfinance.com), mobile app on iOS and Android, marketing materials, payment calculator, application status tracking. Marketing: offering financing within 24 hours; every small business that applies can start offering marketplace financing right away on contractors Instant access copy. White-glove onboarding and Contractor Advisor booking appear on contractor-resources surfaces. Public pricing for contractors: Free for contractors ($0 dealer fees). Consumer pricing: set by Providers; origination fee range as above for some sub-$40k loans. No public platform revenue-share rate card for software embed partners was found on acornfinance.com/pricing (not published as a rate card in research). Contractor production is self-serve with verification. Software embed production should be confirmed with Acorn Finance; it is not documented as the same Sign up path.
- License and legal (as printed). Originator posture as in license_posture: marketplace / loan solicitation and arrangement licenses; Providers make credit decisions and fund. Footer NMLS #1817022 and California #60DBO-83199. Full state roster on Licenses. Terms Updated 02/2026. Privacy last update February 3, 2026. Contact: support@acornfinance.com; compliance@acornfinance.com; phone 855-501-0800 on CCPA block; Support hours Monday to Friday 9am to 6pm CT on Contact Us.
- Scale figures are Acorn Finance’s and do not agree across pages. Homepage: Join the 25k Contractors; Excellent rating with 1,200+ reviews Trustpilot (also 4.3 stars out of 5 on the same surface). Borrowers: We’ve helped over a million customers. Series A (2022): 2021 applicants and revenue grew by 800%; serves the $500 billion home improvement market. Contractor resources new-lenders: 30+ lenders; homepage: 20+. Loan floors $1k vs $2k; max terms 12 vs 20 years. Treat those as vendor copy from specific pages, not a single audited figure.
- Named on current Acorn Finance product or testimonial surfaces (vendor-named): Stephan Buckley / AC All Stars llc (HVAC testimonial on homepage and contractors). Homepage illustrative offer cards have named Best Egg and Upgrade in demo UI. Attribute as Acorn Finance-named quotes and UI examples, not as independent verification.
Sources: Acorn Finance, Contractors, Borrowers, FAQ, About Us, Licenses, Terms of Use, Privacy Policy, Contact Us, Series A funding, Acorn Lender List, Contractor thank you, Contractor portal, Pro onboarding.
Honest verdict
Acorn Finance is the listing to read when the job is offering marketplace consumer personal-loan options at a US home improvement contractor’s point of sale: shared application link, soft-pull prequalification, multi-lender offers, $0 dealer fees for the contractor, and third-party Providers originating and funding the loan so the contractor does not become the lender. The direct borrowers path and software-embed / API paths are Acorn Finance’s. They are not this page.
What it is not: B2B working capital for the contractor’s own business, a product where Acorn Finance itself is the lender of record, a published consumer APR rate card set by Acorn Finance, or a sales-only partner live start for contractors. Sign up is the contractor intake. Financing type on current pages is personal loans and personal lines of credit from the Provider network. Public loan-amount floors, maximum terms, and lender-count lines do not agree across homepage, FAQ, borrowers, and contractor-resources pages. If you need Acorn Finance to hold the credit risk or to fund B2B capital into the contractor, stop. If the job is free-to-contractor POS consumer financing for US home improvement projects through a multi-lender marketplace, start here.